BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 – Check Districts and Clusters
The BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 has officially announced the start of the 3rd and final phase of Kafalat payments from 8 November 2025 across Pakistan. This phase will cover the remaining districts and clusters that were not included in the first two rounds. Beneficiaries can now collect their Rs. 10,500 quarterly installment through Bank Alfalah and Habib Bank Limited (HBL) payment centers.
According to the BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 management, the payment distribution has been divided into three major phases to ensure transparency and crowd control at campsites. The third phase will mainly target beneficiaries in Punjab, Sindh, and Khyber Pakhtunkhwa, while Azad Jammu & Kashmir and Gilgit-Baltistan areas have already received payments under earlier phases.
This phase marks the BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 for 2025, aiming to clear all pending payments before the next quarter’s schedule begins in February 2026. Each woman beneficiary registered under the BISP Kafalat Program will receive her cash stipend of Rs. 10,500 directly after biometric verification.
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In addition to cash BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 distribution, BISP is also working on integrating digital wallet options for future payments through JazzCash and Easypaisa, which will make the withdrawal process faster and safer. Beneficiaries are advised to keep their CNICs updated and ensure that their mobile numbers are active to receive payment confirmation messages.
Chairperson Dr. Amir Ali Agha Khan stated that the new phase will also test the improved Benazir Dynamic Registry System, enabling automatic re-enrollment of eligible households who were temporarily disqualified. He further assured that no deserving family will be left behind in this phase.
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BISP 3rd phase payment Eligibility Criteria:
- The applicant must be a Pakistani citizen with a valid CNIC.
- The family’s poverty score (PMT) must be below 32 in the NSER database.
- Only female heads of households are eligible to receive payments.
- The household should not own agricultural land or a vehicle.
- The applicant must not be a government employee or pensioner.
- Monthly income should be below Rs. 40,000.
- CNIC must be biometrically verified by NADRA before payment release.
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Benefits of the BISP Kafalat 3rd Phase:
The 3rd and final phase of Kafalat payments brings financial stability to more than 2.5 million families awaiting their quarterly stipends. Each beneficiary receives Rs. 10,500, helping cover essential household needs such as food, clothing, and children’s education.
BISP has improved payment transparency by introducing SMS notifications from the number 8171, ensuring beneficiaries can verify their status before visiting campsites.
The new cluster-based distribution system has also reduced waiting times at centers, providing separate queues for women, senior citizens, and differently-abled individuals.
Another major advantage is the zero-deduction policy, where agents are strictly prohibited from cutting any amount from payments. BISP’s monitoring teams and District Administration Offices are conducting surprise visits to ensure compliance.
For remote and flood-affected areas, mobile payment vans have been deployed, ensuring that women in hard-to-reach districts can also receive their cash easily.
Moreover, beneficiaries can now check their payment status online through the official 8171 portal (www.bisp.gov.pk) and even verify their inclusion status by entering their CNIC number.
Finally, this phase helps ensure that no eligible family is left unpaid before the fiscal year ends, completing BISP’s 2025 financial support cycle successfully.
Benazir Kafalat Program 2025 Application Process:
- Visit the nearest Benazir Registration Center (Tehsil Level).
- Bring your original CNIC and household details for verification.
- Complete the Dynamic Survey at the BISP office or mobile camp.
- Wait for a confirmation SMS from 8171 regarding eligibility.
- Once eligible, check your cluster and district for payment schedule.
- Collect your Rs. 10,500 stipend from HBL or Bank Alfalah counters after biometric verification.
- Keep your payment receipt and ensure the full amount is received without deduction.
BISP Punjab Sindh KP districts Conclusion:
The BISP Kafalat 3rd and final phase is a major relief initiative that ensures the government’s commitment to supporting low-income families during ongoing inflation. The payments starting from 8 November 2025 represent the last wave of disbursements for this calendar year.
By dividing the program into phases and clusters, BISP has made the payment process smoother and more accessible for millions of women nationwide.
The use of digital verification and online tracking systems ensures that beneficiaries can check their status without hassle, saving time and travel costs.
Moreover, BISP Kafalat 3rd and Final Phase Payments Start from 8 November 2025 the program’s focus on transparency and empowerment of women continues to set a benchmark for social welfare schemes in Pakistan.
As the year concludes, this phase not only clears pending payments but also strengthens trust in BISP’s mission to eliminate poverty and empower marginalized communities.
Beneficiaries are encouraged to stay updated through official SMS from 8171 and to avoid any unauthorized agents claiming additional fees.
Overall, the 3rd phase is a symbol of continuity, transparency, and compassion — a key milestone in Pakistan’s welfare landscape.
8171 check online CNIC Important FAQs:
1. When will the 3rd and final phase of BISP Kafalat start?
The 3rd phase officially starts from 8 November 2025.
2. How much amount will beneficiaries receive?
Each beneficiary will receive Rs. 10,500 under the Kafalat installment.
3. How can I check if my district is included in this phase?
Visit the official 8171 portal or contact your local BISP office for the latest district-wise schedule.
4. Which banks are responsible for payments?
HBL and Bank Alfalah are the two official partner banks.
5. Is biometric verification necessary?
Yes, biometric verification at the bank counter is mandatory.
6. Can I receive payment through Easypaisa or JazzCash?
Currently, trials are ongoing for digital wallet transfers; rollout is expected in 2026.
7. What should I do if my CNIC is expired?
Renew it immediately at NADRA before visiting the payment center.
8. What is the official SMS number for verification?
Always verify messages from 8171 — ignore any other numbers.
9. Are deductions allowed during cash collection?
No, BISP has a zero-deduction policy. Report any misconduct to the local office.
10. Can newly registered families get payments in this phase?
Yes, if their survey and verification are completed before 5 November 2025.
